Happy Money

Happy Money, Inc. is focused on enhancing financial services through technology. Their R&D efforts include a client-server system for financial scoring, which processes loan applications and financial transactions to verify debtor income. They are also developing methods to incorporate psychometric analysis for credit risk assessment, utilizing user interactions with graphical objects to evaluate psychological traits. Additionally, an interactive virtual assistant system is being refined, which selects an assistant based on user psychometric data, indicating a personalized approach to user management. These innovations reflect a commitment to integrating psychological insights and transactional data for improved financial tools.

Happy Money has announced a strategic partnership with Method to streamline debt consolidation for credit union members by integrating real-time data APIs. This collaboration aims to enhance the efficiency of debt management services provided to their clients.